Just for fun: There's a running joke in our family: "Der Mann hat immer Recht!". Because that's not fair to the woman, we decided that the woman should also have something, just for her, so we came up with "Die Frau hat immer Schuld!" -- May take some time to get used to, but the upside is: Kein Streit!! :-))
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teylynAug 15 '11 at 11:51

Makes me think of the management phrase, We didn't say it was your fault. We said we're going to blame you.
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Torben Gundtofte-BruunAug 16 '11 at 10:00

2 Answers
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IMO there's almost no difference. "Schuld sein" may be a little more colloquial than "Schuld haben" or "Schuld tragen". Capitalization is an interesting point - according to canoo.net, in this case "Schuld" is a "verblasstes Nomen" (i fear there's no nice-fitting english translation?), a substantive used as it were an adjective. Since they aren't substantives any more, lower case is mandatory.